The Permanent Upper Crow | Hacker News

A Hacker News post says debt-financed purchases can quickly become much more expensive once interest and insurance are added.

The example shows how a seemingly small purchase can require far higher future income to carry over time.

It also argues that inflation and currency devaluation further increase the earnings needed to afford the same item.

The post frames this as a broader critique of compounding consumer costs and eroding purchasing power.